Back in December 2015 I received a letter from a credit agency (Wescot)
stating that they were chasing a TSB debt of £4762.
This came as a big surprise to me as I stopped using my TSB account about 6 years ago.
I moved all my payments in/direct debits/ etc to a joint bank account (I did not close the account),
so have not knowingly used the bank account since.
I then moved house, but rather stupidly did not close the account.
My only thoughts are that maybe I missed a direct debit,
or used an online account that that was linked to that bank account!!
I asked for statements to show how this debt had accrued, but as of yet, I've not received anything.
I contacted them again on Tuesday and was told that they are chasing them again.
Its really frustrating that over 3 months later I'm still none the wiser.
Whilst waiting for the statements, I got another letter from Wescot
stating that TSB are offering me a significant discount to settle the account!! is this normal?
If they prove I had mistakenly used the account, then I'm willing to back all monies owed,
but would be looking at getting some/most of the interest payments taken off.
The reason I say this is that surely TSB, when doing their annual review of accounts/overdrafts,
would have realised that the account was not in use.
The reason it has taken so long for them to chase me is that I had a £4.5k overdraft,
which they have let run the course until I went over it.
When this first came about,
I checked my credit score and it was 999.
Then a few weeks ago, they put a default on my account.
Bye bye perfect credit score.
I have asked them to remove this whilst the debt is in dispute, but have yet to hear anything from them.
They are saying that they sent a chaser letter on 12/10/15,
a final demand letter on the 12/11/2015
and a closure letter on 9th December.
Due to me moving address 6 years earlier, I did not get these.
Whilst I feel rather stupid for letting this happen, can anyone recommend a good course of action?